D02Finance & accounts

AI bank reconciliation clerk for small business Bank reconciliation clerk. Reconciles bank statements to books daily instead of at year end.

  • 6 tasks
  • 6 it does alone
  • Asks you on exceptions
★ Owners ask for this first
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Sample of the agent's work, drawn from its real task list.

01In plain words

How the AI bank reconciliation clerk works

The AI bank reconciliation clerk is an Autowhat agent for small businesses that reconciles bank statements to books daily instead of at year end. It does 6 defined tasks on its own in Net banking (read-only), statement emails, Zoho Books, and asks the owner first about exceptions such as posting unidentified receipts.

1

It starts when…

  • New statement
  • Daily run
2

It does the work

  • Download statements from net banking
  • Match bank lines to vouchers by amount, date and…
  • Post unmatched receipts after identifying the…
  • Flag unexplained debits
  • Prepare the bank reconciliation statement
3

It asks you before…

Posting unidentified receipts

02Every task

6 tasks, each one marked.

  1. Download statements from net banking (read-only) or emailDoes it alone
  2. Match bank lines to vouchers by amount, date and narrationDoes it alone
  3. Post unmatched receipts after identifying the payer from UPI referencesDoes it alone
  4. Flag unexplained debitsDoes it alone
  5. Prepare the bank reconciliation statementDoes it alone
  6. Report unreconciled itemsDoes it alone

Works in

  • Net banking (read-only)
  • statement emails
  • Zoho Books
  • Vyapar

Alerts you when

  • Unknown debit
  • bounced cheque

You'll know it's working by

Days since last reconciliation, unmatched value

Who it is for

Businesses with more than 100 bank transactions a month

Takes over routine work from

Accountant time

03How much it may do

Safe by design, in two plain labels.

Autonomy · L3

Acts within your limits

It handles routine cases on its own and asks you about anything outside the limits you set.

Risk · R2

Records

It updates registers and sheets, with an audit log of before and after values.

Every agent also reads back actions, keeps an audit log, asks when unsure, learns from your corrections, reports in the daily briefing and stops on the kill switch.

04Works well with

Other finance & accounts agents

Data-entry operatorTurns bill photos and voice notes into accurate vouchers in the books.Collections agentChases receivables politely and persistently and posts receipts.Payables preparerPrepares vendor payments for one-tap approval; never pays on its own.Expense and petty-cash trackerCaptures every staff expense and petty-cash spend from a WhatsApp photo.Payroll inputs clerkPrepares monthly payroll inputs from attendance, leave and advances.Credit controllerSets and enforces customer credit limits before risk becomes bad debt.

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FAQAI bank reconciliation clerk

Quick answers

By · Updated

What does an AI bank reconciliation clerk do?

The AI bank reconciliation clerk is an Autowhat agent for small businesses that reconciles bank statements to books daily instead of at year end. It does 6 defined tasks on its own in Net banking (read-only), statement emails, Zoho Books, and asks the owner first about exceptions such as posting unidentified receipts.

What does the AI bank reconciliation clerk ask me before acting?

It asks before: Posting unidentified receipts. It reads the action back in one message and waits for your yes; routine steps run within the limits you set.

Which apps does the AI bank reconciliation clerk work in?

It works in Net banking (read-only), statement emails, Zoho Books, Vyapar. No new software is needed; it uses what the business already has.

Who is the AI bank reconciliation clerk for?

It is built for businesses with more than 100 bank transactions a month. It takes over routine work from accountant time, while people keep the judgement calls.

Does the AI bank reconciliation clerk run on a phone?

Runs today on Autowhat's Android agent (early access), on a business phone. See the Android X page for how the phone agent works.

05Hire it

Put the AI bank reconciliation clerk to work. We set it up in your apps.

A 30-minute working session: an engineer maps this agent to your phone, WhatsApp and the apps it needs, and agrees what it must ask you before.

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